Transition almost never has been a "Must have" for me. For many (to all perhaps) that I know who did the choice often came down to transition or suicide.
I am very much on the fence also. I experimented with transitioning, twice, back in my 20's. Some 30+ years later after the excrement hit the air handler I needed to get a handle on my life. After a lot of introspection I came to the conclusion that I need to take the trans beast head on as that was really the root-cause of many of the disasters in my life. I had opted to continue on faking being a guy, which the rules I had set up in my mind had over time crippled me and turned me into into a lifeless soulless machine.
With the help of a fantastic TG support group, as well as a wife who wants me to be happy, along with a lot of working on myself spiritually and emotionally, I am slowly regaining life, joy, and happiness, in addition to being able to finally feel like a real and whole person, not just some facade put up for the world to see.
I know from having had the opportunity that I can experience the real world as the real me. To be seen as and accepted as a woman. Yet I know all too well the darker side of what transitioning to full time can bring to my life. Everything in life comes with a cost attached. With a semi invalid wife and heavy financial obligations, besides having a fun job that pays well, I cannot afford to loose that income right now. While I believe our marriage will survive it has been redefined some already and most certainly will be further redefined if I go full-time. My wife did marry a man after all.
Therapy can perhaps help in opening up your mind, knocking down walls you built, and interjecting some reality. Only you can decide if transitioning to full-time is worth the cost to other areas of your life. Only you can place a value on them vs the perceived happiness living as a woman